Does Term Life Insurance Require A Medical Examination?

Most Term Life Insurance polices do require the applicant to take a medical examination.

There are "non med" life insurance policies that do not require any health exams, and even some term life policies that require an exam will exempt low face amounts of coverage under $50,000, and/or children from having to take an exam.

The medical exam for a life insurance policy is free to the person applying for insurance, and can be done in one's own home, office or place of one's choice, including the exam company's office. The insurance carrier pays for the exam.

Some insurers offer instant issue no exam life insurance policies you can apply for online, and if approved, you may be able to start your life insurance policy the same day.

In addition, some life insurance carriers offer up to $350,000 of no exam life insurance, but I think the largest amount of life insurance available without an exam is around $500,000. Keep in mind, you can own more than one life insurance policy, so you may be able to get a lot more than $500,000 of life insurance coverage without having to take any health exams.

Here are some life insurance plans with no exams that you can apply for coverage online today.